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itself. gerri: best buy trading deals. a hundred dollar give card if the trading used iphone and ipads. check that out. that is good news. and walmart has an ipad mini deal theory of $100 gift card with every purchase. >> this is the time to be a consumer. training consumers to expect it. kendis stuck with it. gerri: they are reaping what they so, but we expect sales to be lower than last year. eager to begin. they get their sales early, try to book it now rather than waiting. >> exactly. the other thing that they're hoping is they buy a gift,. gerri: i love that. less talk about the place station. that did not know this of us on the profits. someone like hot cakes. the retail price, 399 box. >> the story, in hopes of making a bomb the game. better this time around. there were taking a $200 bath. this time it's only about 18. an improvement. hoping that you're going -- hoping the you're going to die that council and make it back on the game. gerri: contrast this with the ipad there. the retail price, for 99. totally different story. how does apple maintain these margins. >> apple does
affirmation in everyone's information who uses the service. >> absolutely. it is a huge overreach on the subpoena, not narrowly targeted at slumlords or what have you. indeed, anyone who has access the site once that information, clear intimidation and tremendously unfortunate because this is a product that is filling a market demand. gerri: the folks are fighting back saying it is an unfounded fishing expedition. what is more, they are saying that the government is really going after money throwing away the kinds of money that comes into this city because of air bnd. keeping these guys even really understand the economics of this and now works? >> i don't think they think too much about it. they can get headlines and now lobbied by their special interest. they think that this is something that they can be populist about. really it is a lot of people who want to visit new york and other cities with battering control laws that cannot afford to stay there and this is a way to bring in tourists. gerri: apparently there is some kind of law on the books that you cannot lease your place
and they tell us everything. what do you do when you walk in the store? see a price and scan it. retailers know that. if they are the best price in that store, they will offer that coupon on sight or you will walk out and buy it somewhere else. retailers have to be on their game. it gives you and i a better deal come thursday. >> on their game or responding to our demands or are we kind of limping along here and trying to figure out how much we are going to spend a little down? look at the consumer confidence numbers in november. it's a two-year low. are people forcing retailers to change or are retailers seeing what's going on and hanging what they are doing to get us into the store? >> the latter. they are changing to get us into the store. 3.9% is 2% after inflation. itis right on my forecast. what they are doing is really stocking up this year. there's going to be record numbers of big screen tvs and things like that. the critical question is do people go in the store, take the big screen tv, fiddle with it, or stick around to buy all the things that retailers will make a profit selling? t
adjustable-rate mortgages of likely to see us fighthly despite the threat of rising interest rates we have kathy , as the ceo of realal worth network. h how is this happening?he there were big worries thatse these adjustable-rateta mortgages may see a problem. >> have to remember times have changed since 2006 when most homeowners got thoseho loans. terest rates were 6.5 or 7.5% so today is great news because interest rates are much lower.t we talk about them going upp. but they are historically low and it is a fantastic t time to get along. for these people it is not an issue. gerri: is the money saver to l get lower rates but of course, it is adjustable over time you get someat breathing room for a littleittl while.hat do you recommend people continue to buy the adjustable-rate mortgage? they are not always the safe bet. i >> i don't like them.ate we live in a country forre some reason we canet 30 year fixed-rate mortgages it not doesn't happen anywhere else where else can you block -- y what can a pavement 30 years? p so many people are stuck printing afraid to buy or they can qualify b
of this will work. the metaphor that has been used all day today, it's like trying to put toothed oste back into a ndibe. you just can't do it. gerri: exactly right. >> have you take 5 million people who have lost their insurance and then read form these contracts? in many cases the insurance companies may not want to sign these people up again. gerrnot c i think you make a grt point. i spend all afternoon on line ininousing on the telephone to insurard we brokers, industry analysts. i have to tell you, they say you cannot do this. a comed ony with maybe 5,000 employees like the one i work for spend 12 months getting their insurance pro ready to go. i talk to people today who said, there is no way that these insurard we commissioners for oe can approve new plants because that is what is g "tng to take. and for people to then apply for those plans and get them oreproved. listen to what laura peterson of the naic had to say. older and sicker policyholders will be more likely to drop existing policies in favor of a new dca obamacare compliant policies. under an healthier individuals are more l
. the formulas being used to create these assessments which everyone is referring to, pe, the ratios. they are all thrown off by the cost of the value of the money, the interest rate which is so that you can't see these models until what is really going on in the economy. this is not even a big issue. gerri: what do you say? >> well, it's more like a market of stocks. and there are parts of the stock market which are grossly overvalued. but -- gerri: like what? >> twitter end the social media. but there are great parts of the market which are at could valuations. big information technology companies trading at ten, 11 times earnings. that is attractive. you get paid 3 percent valuate. some of the big companies are trading at evaluations. so there is still a decent value in parts of the market. globally we have very attractive gerri: norway, singapore. jonathan wants me to put all my money in subs. i want to invest at home. how do i do that? tell me. go ahead. >> it's pretty simple. the idea is to look below of the radar screen. not twitter, facebook. but stocks are doing well. i am i
the administration has not broken down asking whether it would get us a breakdown for accurate numbers of whi take more time to calculate. so that first bit of numbers is disappointing on the federal level but what they have been saying over the last couple of weeks that the administration has said they have the web site problems have been lowering expectations saying that the web site problems are to blame. when you consider 27 million visitors the 26,000 is that because of the technical problem or because it costs too much? we don't know that. gerri: something that mystified me was what secretary sebelius said that the general public does not get to hear this but she was asked when will it be working like the amazon or google and she said it will be working for the vast majority by the end of the month. what does that mean? >> if you look at the administration and answers that is the caveat because that is for the vast marity on top of that with did ministration is saying is they expect there on target but a couple of months ago we heard upon target october 1st. [laughter] gerri: we appreciate y
website will be fixed as promised. but the real problems will just begin. airlines using in-flight wife died to get your information. where do they draw the line? are you ready for the holiday shopping season? don't buy another thing until you see our users guide. tonight. the "willis report." gerri: your show. your money. your voice. tonight your veteranssthis veterans day we know our veterans are in trouble. high unemployment rates more and more heroes on food stamps. where have we gone wrong? and as a research so selflessly better a goldstar mom a mother of a navy seal also a military family adviser with concern to veterans for america. we appreciate you coming. but what is 900,000 veterans on food stamps? why it is going on in the? limit these are brave and amazing human beings writing a check to america up to their life in america has turned their back and right here in new york city 40 percent of the returning veterans find themselves on food stamps and standing in this soup kitchen and it is inexcusable. gerri: i read effuse he went to thousand vets will be eating at soup kitchen
to be given to the administration will use that something but i don't committee said terry soni bank routing information to accept your donation what are the things you need to watch out for. >> in general unless you are control of it, they don't need your license information, it is as important as you look at these things online, and you don't respond to e-mail us that tug at your heartstrings and don't respond to tests. as long as you are in control, you see this, which shows that it is secure in dc a lock on the site and these are things that are indications of how legitimate they would be if they have a security certificate that is not active. gerri: i think that is a good point. and you need to know where that money is going, you can't tell by looking at a website. if you look at a website coming used to be able to talk to the scam artists and there is information that was clearly wrong and it was easy to spot and that's just not true anymore. >> a lot more sophistication of spammers has gone through the ceiling. these are very professional people and this is their day job. you know, fo
-nilly? >> it is the aggressive time might. back from individual consumers walking in with a new health care plan for us to go back and think we can implement in a better manner than what has been laid out so far is a task that could be difficult you do. melissa: your organization bob represents thousands that are involved in the industry that adds confusion to the chaos. why so much confusion? >> the tower of babel the president's decision is like putting a band-aid to the gunshot wound and made promises to the american people that they could keep their policies they wanted it and said for one more ar you can keep your policy but then you can't if you wanted after that so consumers are confused and brokers here every day from small-business owners from independent contractors and the marketplace what is going on? it is mass confusion plus you have the regulators in many states they cannot do what they were asked to do. >> arkansas and others say there just is not enough time. how long do you take? if they cannot accommodate the time frame and how long do you take to get a plan that market? >> the lot longer
of the situation. officials at lax say all flights in and out of the airport are still delayed. with us now from a welcome back to the show. very good to see you. i read that the person responsible for this brought a rifle through a security checkpoint, which makes me wonder tonight even if the first tee off -- tsa officer to die in the line of duty today, are we safe? if you can bring a gun, and assault rifle through a security checkpoint, are we safe? >> well, he brought it to a security checkpoint, like a crowded shopping center just as easily. there is no defense against someone who was to blast his way through something. police know that this is a crazy person, not a terrorist. i do not know how we can defend ourselves against that. i really don't. gerri: cold comfort because it is really just a road map for a terrorist at the end of the day. lots of problems going on now with flights all over the country. how serious will this be? specifically, what kinds of additional security might there be in the days and weeks after this? >> let's remember, our base security threat is not at the securi
was having so much trouble that it's not even finished yet. with us now is michael burgess of texas, the vice chairman over the oversight investigations subcommittee. the website is not even done yet. to listen to that. >> apportion remains to be launched on october 1. >> i don't have an exact percentage. and i look at it in terms of overall marketplace systems. >> we have never talked about what is complete or not complete? >> i think it was a priority of functions that need to be embraced. you have to authenticate an individual and that is a key. >> 50%, 40%, 30%? >> i think it was and it is stunning. gerri: this website is not done. it's unclear if he is saying that 60% is yet to be built. either way, it is a nightmare. and providers render services and they will need to be paid. and i think it's reading between the lines of what he was telling the committee. but they are not ready at this point to be able to process those payments to providers and what's going to happen to our doctors offices and hospitals and accounts receivable blue now. i'm telling you can't afford this. >> it's unbeli
of the $2.4 trillion in reserve that they have. the banks are making up for it by hitting us in the pocket. it'slways great to have you on the show. let me tell you why this incenses me. already on my cds and earning nothing. 0.23%. on my savings accou, my money markets are not earning anything at all either. 0.12%. and that his paltry earnings. now they are going to charge us more. why is that? >> t economy is not strong. the banks don't have a lot of demand for those loans. so if they put it in the federal serve in the makelmost nothing, they are not making any money on it. there's a lot of overhead in the banks, they have branches in the have to pay the insurance companies for insurance. gerri: how much does that add up to for each account? that we pay for the fdic insurance, it's a lot of money, seing up the accounts takes a lot of dough. how much is going out their front door to have me as a customer? >> about $200 per account. they wanto make money in some way. they hope that even if you're not going to have a lot of money in the account, they can sell you omething else. gerri: alrea
it and have yet to verify. it comes to us from project very tough spirit of what you to see, here is someone under cover trying to manipulate the system pretty successfully. listen to this. >> saying something about if the smoker something like this. i really don't smoke. gerri: so, here is the bottom line. somebody goes into a navigator for obamacare. they say, you know what, i smoke a little bit. there are told, don't tell the truth about it. want to show you another just so you can get a sense of what we're talking about. this is about declaring income. you make money, you talk to a navigator, what does that tell you cack listen to this. >> on a cash basis. don't kid yourself in trouble by declaring in now. >> exactly. >> never admit that. gerri: never reported. the highest amount of money as you can from the federal government. to you, are you surprised by this? >> not at all. once we learn from the federal government that they were not going to rely on their irs estimates to verify peebles and come but the honor system instead, it was an open invitation to fraud and mischief. gerri: app
: how old is the oldest person you've known? we gave people a sticker and had them show us. we learned a lot of us have known someone who's lived well into their 90s. and that's a great thing. but even though we're living longer, one thing that hasn't changed much is the official retirement age. ♪ the question is how do you make sure you have the money you need to enjoy all of these years. ♪ gerri: welcome back to a of a user's guide to shopping and a warning joining me now senior projects editor come up welcome back to the show. the issue today if you are t shopping on-line you cannot tell the good guys from theeb bad guys if you use a web siteou for the first time never seen before if you rely on bad design to clue you in then forget about it. >> the scam artist is so good they can fool just like the above site looksea legitimate does not mean is.n they are set up to steal your identity or credit card information or those and have counterfeit goods or questionable practices to bring low prices but only if you buy extra items a few buy a digital camera only to learn they bu
't cancel the election time. wi us now, steve more from the law street journal editorial board and dr. scott gottlieb's, former policy for centers for medica and medicaid services. welcome to you both. i will start with you. let me read you what the obamacare administration is saying about what is essentially a 30 day delay. they say it is to give insurers the benefit of more timeo evaluate there experiences during the 2014 plan year and allow them to take into account those who may enroll late including young adults fore setting 2015 rates. >> that is probably right because the insurers are goin to have a hard time submitting bids. >> there were not going to have a lot to go on. the administration is worried. this hurts consumers. there will have to wait. gerr calling me skeptical. this is a bold political bid not to get in trouble at the election polls. what do you say? >> it think? getting that is absolutely right. when i talked to democrats on capitol, what they're telling me is that love to put this off after the 2014 election. i thinthat the entire law may actually be delayed. gerri:ea
millions of us with website crashes and insurance cancellations. kathleen sebelius rejecting calls from republicans and democrats alike in a senate finance committee hearing today to delay the law. republican senator chuck grassley of iowa is finance committee member and he joins me now. senator, thanks for being with us tonight. tell me, was there a collective grown in the room when sebelius said, no, no delays? we will not delay implementation of obamacare? >> of course there was. let me tell you why this is a real political problem for the white house because, just evidenced by 14 democrats up for re-election in this cycle, going down to the white house to meet with, i suppose the president and all the other people involved in trying to correct this situation. so i think that, particularly democrats answering that question, you're going to have a one-year delay for two reasons. one, because it is needed of the because the website is not working. number two, just as a matter of fairness. you have an employer mandate so big corporations are geting a year delay. why not the individual?
. there is a price war going out there right now we have a consumer and money-saving expert with us. color me skeptical, and i say, is that really the sale price? what do consumers need to know when they are going through the stories and looking at the sales? >> they need to focus on the bottom line price. sometimes the seller inflates the original price. before black friday, whatever is on your shopping list, get online tonight and research those prices so that you can be smart and stay away from the misleading promotion we want it so easy to get suckered. i have to tell you that i just, i'm really trepidations about this. one of the things that you say that you need to do this time of year is read the return policy. >> that is right. you never know if there's a restricteddpolicy, especially with electronics and gadgets and stores will charge you restocking fees. they are going to be deals throughout the whole season. gerri: so much money to put back on the shelf. okay, what about other deals? >> they may not have all of the bells and whistles and features that you expect them to have. so fo
for the rest of us? tonight. "the willis report." gerri: our top story tonight , outrage. voters take to the polls and did the never ending economic recovery the issues dominating the ballot boxes are taxes. we have grover norquist and john lonski, moody's chief economist. i have to think people are fed up, and it -- a greek just look at the inner-city high key marginal tax rates on income, five and a thousand per year at four .4% we see the same thing in colorado and other places. will people put up with this? >> these are blue cities and states. colorado and a new york are voting with the income-tax bracket is possible in colorado that could be defeated although was started off with a lot of support teachers unions because it is $1 billion to go to them if they get the tax increase through. but over the last two years the states have been cutting income-tax rates north carolina, oklahoma, kansas carolina, oklahoma, kansas, across the country. tonight we will see of colorado wants to become california and if new york wants to become detroit. gerri: looked at colorado with amendment 6
. that's going to be the bottom line for employers. gerri: it's all on us, you know what i mean? that's the most frustrating thing about this, is that it's all on us, it's all on individuals, it's all on the people who are actually working and have a job to pay for everybody else, plus more of their own. so the burden shifted now largely, you thought it was a government program, but it's really the taxpayers who are on the hook here and are going to be just decimated with costs. robert, what do you see going forward? >> well, the train's left the station, as i said. when the president decided to launch obamacare on october 1 even with the exchange problems, he set in motion a series of dominoes, and those dominoes are starting to fall. first we had, of course, the system problems, but then the cancellations and the individual market started. there's really no way to stop those. they're continuing. now we've got the renewals coming in for the small employer. there's really no way to stop that. today in "the washington post" we had a big article about how people are finding how narrow t
we will see what it goes for. us a people need a house that big. that's all we have for you. have you made money today. a great weekend. "the willis report" is coming up next. ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" consumer relief or blatant union to know. watching out for you tonight on "the willis report". ♪ gerri: welcome to "the willis report." your show, your money, your voice. tonight another delay in obamacare. this one is intentional. this time open enrollment deadline is being extended by a month so that it can get past the election. people can't cancel the election time. with us now, steve more from the law street journal editorial board and dr. scott gottlieb's, former policy for centers for medicare and medicaid services. welcome to you both. i will start with you. let me read you what the obamacare administration is saying about what is essentially a 30 day delay. they say it is to give insurers the benefit of more time to evaluate there experiences during the 2014 plan year and allow them to take into account those who may enr
of the hottest tech ipos in years. telling us about the market and your money and what is your dna telling us? for two shares of twitter, you can find out. coming up tonight on "the willis report." melissa: welcome to "the willis report." we will start with the story impacting your wallet tonight. small-business owners are next in the long line of people who are getting their health insurance policies canceled. that is right. experts telling us the exact same thing will happen to companies employing 50 people or less. here to wait in is the ceo vital strength technology and doctor kevin campbell. i have to tell you that this is concerning to me because i thought it was just a 4.3 million people number and now we are hearing goings of americans will have their insurance policies canceled later this year. what do you say? >> it's not a surprise. small-business owners small business owners sitting here today in the insurance capital of the world, hartford, connecticut, it is really concerning that we are going to be the next ones to be affected in terms of how we are going to provide insurance f
calculate the subsidies you are eligible for. they use this on the fderal government web site you cannot get on there. [laughter] >> they are exrts it is a good-faith effort to give help but the bottom linis we will have winners and losers the letters will go to kaiser family foundation a juicy it can break it down to something reasonable also it is not a solution for what had to present a at. the next question is to reduce the for your doct? gerri: the probms go on and off but people tonight knowha mom or dad or somebody in the family that was just c canceled a and what can they get on the federal government web site? if you are 62 year-old woman making a $32,000 peyear. here is what you get from the obamacare web site at a premium of $7,200 a subsidy of 4400 so you pay 3,000 out of pocket. that is $6,300 that is a fair amount of moneys be back for a lot of people premiums have gone up maybe there'll be paying $2,000 with $4,000 deductible now they pay 3,000ith $6,300 deductible because obamacare is forcing insurance companies to cover other services they have to pay more. >> than a 62 year
Search Results 0 to 49 of about 59 (some duplicates have been removed)